Strategies for your unique financial landscape.
Gain confidence over your finances with our in-depth analysis process, customized implementation, and continual review.
Financial Coaching and Investing
Asset Allocation
An individualized asset allocation strategy seeks to mitigate the risks of any one asset class though diversification and balance.
Investor Behavioral Coaching
The topics of money and investing can cause emotional reactions. We have coached our clients through six major market corrections and can help you stay the course during volatile markets.
Cash Management
Having money set aside for immediate goals and emergencies is key to your long-term success.
Mutual Funds, Stocks + Bonds
According to your individual risk tolerance, we will select the appropriate investment options that can help lead to your successful future.
Annuities
Annuities have changed over time. Today they offer low fees and liquidity while still providing tax-deferred growth and guaranteed income for your future.
Diversification and asset allocation strategies do not assure profit or protect against loss. Past performance is no guarantee of future results. Investing involves risk. Depending on the types of investments, there may be varying degrees of risk. Investors should be prepared to bear loss, including total loss of principal. Cambridge does not offer tax or legal advice. Fixed insurance services offered through 4th Generation Financial.
A Fixed Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. Fixed Annuities generally contain fees and charges which include, but are not limited to, surrender charges, administrative fees, and optional contract riders and benefits. Withdrawals and death benefits are subject to income tax. If withdrawals and other distributions are received prior to age 59 1/2, a 10% penalty may apply. Fixed Annuities typically carry surrender charges for several years that may be assessed against withdrawals. Certain Fixed Annuity product features, offered by some Fixed Annuity companies, such as stepped-up death benefit, a bonus credit, and a guaranteed minimum income benefit, carry added fees. If you are investing in a Fixed Annuity through a tax-advantaged plan such as an IRA, you will get no added tax advantage. Under these circumstances you should only consider buying a Fixed Annuity if it makes sense because of the Fixed Annuity’s other features, such as lifetime income payments and death benefit protection. All guarantees of a Fixed Annuity are backed by the claims-paying ability of the issuing insurer.
Custom Financial Planning
Want to gain confidence over your financial future? Financial plans are a tool that can x-ray your current financial situation and guide you through your progress in the future. We offer retirement planning, cash flow analysis, income tax planning, estate planning, and goal planning (college, vacation homes, and more!) to meet your customized needs.
Risk Management
Insurance Strategies
Insurance is essential to any comprehensive financial plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship.
Long Term Care Insurance
When faced with the decision of aging in place or the need for a facility, long-term care insurance can help offset the costs related to each.
Life Insurance
Life insurance can play a vital role in your family’s security. We can help you select coverage from inexpensive term policies or permanent policies dependent on your needs.
Asset Protection
The money you saved and worked hard for is worth protecting. We can explore many options for how to help you achieve this.
Retirement Planning
Your retirement years should be fulfilling, enjoyable, and rewarding. Longer life spans have created a number of new issues that need to be taken into consideration when planning for retirement. When we meet, we’ll discuss your retirement income and how your 401k, IRA, social security, pensions, and employer stock options can help fund your retirement so you can embrace the future with confidence.
Estate and Inheritance Planning
Estate Planning + Wealth Transition
Your personal wealth transition strategy provides the opportunity for you to communicate your final wishes, values, and legacy that you want your loved ones to remember you by.
Estate Management Education
We can walk along side your heirs to provide them with education to help set them up for success.
Trusts, Wills, Power of Attorney + Healthcare Surrogate
We will work with you and your attorney to be sure these documents are in place as they lay the foundation of a solid estate plan.
Legacy Planning, Philanthropy and Charitable Giving
Giving, as a part of your estate plan, can allow worthy causes in your community the opportunity to continue to impact future generations.
FREE GUIDE
Skip These Common Retirement Mistakes
Download our free Retirement Planning Guide and take control over your financial future.
